Please, I’m begging you, please call Habitat for Humanity. Don’t make assumptions based on what you think you know about the program or have heard, just fucking call.
Worst case scenario: You spend an hour at the initial meeting and discover it won’t work for you. The other scenario: You end up owning a brand new home (or one refurbished to brand new) at cost.
Because my es-wife picked up the phone, I now own my own home at $600/mo., 19-year mortgage. Took us right at a year to complete the program and have keys in hand.
Be glad to answer questions, but there are variations according to the local outfit’s way of doing things.
She correct i worked making 6 bucks an hour in early 2001 and had my own apartment. Was 300 a month. Today fucking 1,000 for the same place. Bullshit not even close to what it should be.
I’ve thought about begging a similar outfit for that kind of help - I just got my first apartment on my own six or so months ago, and I’ve always been on the edge/dependent on others for help.
Do they ever help single people? I’d do anything just to have my name on a place. I’ve slept in a car before and I never want to be in that position again.
My parents, 35000 dollars for a two bedroom, 1 bath house 3 acres of land in the middle of BFE back in the 80’s
Today, 3 bed, 1 bath house with less than .25 acres, 200k same BFE area.
With inflation something comparable to my parents house in BFE, because it’s not changed all that much, should only be 100k.
And the recent minimum wage increase to 13.75 an hour passed by the people is in process of being revoked by Republicans.
And I do get tired of visiting home and taking to people that spout off the ‘back in my day’ bs.
My first apartment (without roommates) was $600/month I think. I just check the present day at it rents for $1400! The mortgage cost on my first house (small/low cost of living area) was only $1000/month.
I just don’t know how young people are affording housing these days.
I rent my parents’ other house and just pay carrying costs. It’s still $2800/month because of location. Trust me, it’s a much better deal than it sounds…
But this flies in the face of the great American delusion that everyone can white knuckle their way through large crises arising from systemic failures or engineered on purpose by oligarchs.
Having taken the point of this post as it was intended, we can also recognize that learning how to manage your money is in fact always a good thing. Will basic hygiene undo generations of economics? No, but we certainly shouldn’t NOT teach young people to manage their money.
Nobody on earth has suggested we stop teaching economic literacy. We should however stop pretending it is sufficient. We require systemic change.
I think there’s a suggestion we start teaching it. I’m 37, but there were idiots who didn’t understand credit cards when I was 18, and there’s just as many now, and there were just as many in 1995. I think this response thread here was meant to say yes, understanding the system is fucked, even if we come out on the other side with a functional economy, people still need to learn some personal responsibility when it comes to spending.
I wish I felt confident in that. But you can almost hear it right in this tweet. The mere suggestion of financial literacy is borderline offensive.
It’s similar to how the notion of reducing your personal environmental impact is actively shit upon these days. Say anything about it and someone will shout you down about how corporations pollute more.
It’s very similar: there are larger forces polluting the environment that make your personal behaviors insufficient to solve the problem.
All true.
But that doesn’t mean you shouldn’t do what you can personally.
I used to pay $1100 for a 3 bedroom apartment 10 years ago, now a 2 bedroom is $2600+
Landlords are not greedy. They are inherently parasitic.
Adam Smith would agree with you.
Yep no shit
My own mother has been talking about leaving town and rather then selling her house, her plan is to rent the house out survive off the rent she collects.
on its own that wouldnt be outrageous, if it werent for the fact my mother is extremely irresponsible with money and her lifestyle and bad habits are essentially going to be paid for by someone else.
its opened my eyes on landlords… a lot of them dont work, and they dont even do the minimum for their tenants. they just expect to get paid.
So someone is renting it out. It’s all supply and demand?? I don’t think landlord just leave their apartment empty unless someone comes with 1600 bucks rents.
In Denver here, it’s hard to find apartment and 2 bed 2 bath close to boulder is 2500 bucks minimum. But people still want to stay close to boulder rather than living on cheaper town.
If I’m not mistaken Liz Ryan is a former fortune 500, has been a consultant to several multibillion dollar companies like IBM, and at one point might have been appointed by the Biden Admin to run Youth Counseling services?
IDK, but I’m not convinced she’s struggling with rent or groceries and she doesn’t seem to pick the correct side in US Politics.
So because she’s not personally struggling, she can’t analyze the situation?
Whenever you see a message promoted and shared at large scale you have to try to analyze what it is they have to gain and what steps they’ve taken to achieve it.
They’re not promoting the obvious solution. They make massive amounts of money just by maintaining this image as a megacorp consultant and an author. Smells like grift, that’s all I’m saying.
Except she is identifying the problem and kinda the solution. You are just complaining because… you don’t like her. Her analysis was fine, your “analysis” was “idk” and ‘but but but she must be bad’. It’s kinda weird. Something tells me I just should peace out of this conversation.
You sound like a Maga right now.
Said the person complaining that someone pointed out that its getting to expensive to live and that avocado toast isnt the issue
Are you implying that the CEO of a company that consults for IBM is struggling to get by?
She never said she struggled
Shes likely not renting as the CEO
She also says it in past tense
I dont know what her life was like before hand
She doesn’t have to be struggling herself to see other people’s struggles and try to amplify their voice.
Even when people are millionaires, it’s a reality that they likely can’t just turn over their whole fortune at once to fix things. I’d generally guess people like this donate a lot to programs trying to fix these issues.
Is it greedy landlords? Or is there a bigger issue at play, and landlords are the scapegoat? I imagine not all landlords are greedy, but if market price is $1,600, why wouldn’t the landlord charge $1,600?
Are you not in America? We have whole software systems illegally manipulating the rental market prices.
This is a great example of one of those “bigger issues” I was talking about.
Even if it is a bigger issue, the landlords still hold blame for the situation. Can’t escape that
I shouldn’t have phrased it as an either or. Landlords are definitely partly to blame. Especially the ones making millions and lobbying congressmen to keep things shitty for the less wealthy.
But it’s a much bigger issue than just blaming a group of faceless people.
It’s definitely landlords. See: Rent seeking behavior.
Ok, but it’s not just landlords. It’s an entire infrastructure built on allowing this kind of thing to happen.
Why should we have a market for housing at all? Not everything needs to be a market
Also add in: education, health care, and prisons.
It’s appalling the things people are able to make money off of and still sleep well at night.
No, not all landlords are greedy but the ones who’s decisions have a large impact on the housing market are. The elderly widow who is renting out her basement to a young professional isn’t being greedy. The CEO who said this quarter he’ll return 25 million in stock buy backs instead of the regular 15 million are the greedy motherfuckers
You got 2 downvotes for saying it’s not all landlords. I think that was what I was getting at.
It’s easy to point your finger and blame an imaginary person for your problems. But it’s often much more complicated than that.
There’s an infrastructure built around benefiting people with wealth that, in turn, harms people without wealth.
but if market price is $1,600, why wouldn’t the landlord charge $1,600?
Because they’re not greedy. Since they all do, they’re all greedy. No exceptions.
There’s a concept of supply and demand. There should be more supply.
You can’t get there buying cars and phones you can’t afford either.
As you type this, people in poverty who had their state-sponsored cheap telephones so they could get callbacks for work and take care of their families, are getting notified that the program has been canceled and they have to now somehow pay for their own phones on top of every other fee and expense that increases when you’re poor.
It’s also kind of hard to not pay for your car when you live in it. Speaking from experience.
That’s truly terrible but I don’t know what that has to do with money management, which is the only point I’m trying to make. I agree on the rest of all of this.
I don’t know what that has to do with money management,
That’s because I don’t think you actually understand the conversation. We’re talking about the difficulty of poverty, you’re thinking “money management” and that REEKS of someone who’s never actually been poor. You do not get it. You should be ASKING QUESTIONS and not dispensing life-advice about money to people who have been through actual hardships you clown.
